Is Franklin County, NE in a flood zone?
FEMA's National Risk Index puts Franklin County's flood hazard at the 9.5th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 4 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Franklin County
Out of 79 homes FEMA counts inside Franklin County's mapped flood zone, 3 carry the flood policy federal law requires there — 3.8% compliance, short of full coverage. Across all residential structures in Franklin County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Franklin County compares nationally
Franklin County sits at rank 2863 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2969 of 3144 by population (1 is biggest). Franklin County, Nebraska covers 575.816 square miles and counts roughly 2,817 residents.
What to do next if you own or are buying in Franklin County
FEMA counts 2,559 residential structures in Franklin County overall, 3 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Franklin County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.